Charlotte Fix & Flip Loans | Fast Funding for NC Real Estate Investors
Why Charlotte Investors Trust HardMoneyMan.com
Charlotte’s real estate market is booming—and savvy investors are capitalizing on fix and flip opportunities across neighborhoods like Plaza Hills, Barclay Downs, and NoDa. At HardMoneyMan.com, we specialize in fast, flexible funding for North Carolina investors who need speed, simplicity, and certainty.
Whether you’re flipping a single-family home, refinancing a rental, or scaling a commercial portfolio, our Charlotte lending programs are built to help you close fast and grow smarter.
Loan Programs We Offer in Charlotte
Fix and Flip Loans
- Up to 90% Purchase / 100% Rehab
- Interest-only payments
- Close in 7–10 days
- No income verification
Perfect for investors targeting distressed properties with strong resale potential.
DSCR Loans (Rental Property Financing)
- Based on property cash flow—not personal income
- Rates starting at 5.40%
- Flexible prepayment options
- Reduced reserves: just 3 months PITIA + closing costs
Ideal for buy-and-hold investors building passive income portfolios.
Commercial Bridge Loans
- Funding for mixed-use, retail, office, and multifamily
- Up to 75% LTV
- Terms from 12–36 months
- Fast approvals, minimal documentation
Great for repositioning or stabilizing commercial assets before permanent financing.
Asset-Based Refinance (Low Credit OK)
- Refinance single-family rentals, 2-4 unit, 5+
unit , mixed use and commercial at up to 50% LTV - Credit scores in the 400s and up accepted
- No income docs required
- Use equity to fund new deals or pay off high-interest debt
Built for investors with equity-rich properties and challenged credit.
Why Charlotte Is a Hot Market for Investors
Charlotte ranks among the fastest-growing metros in the Southeast. With strong job growth, rising home values, and a steady influx of new residents, the demand for housing—especially renovated inventory—is surging.
Neighborhoods to Watch:
- Plaza Hills: Historic charm meets modern flips
- Barclay Downs: High resale value and strong comps
- NoDa: Artsy, walkable, and investor-friendly
Case Studies: Real Deals in Charlotte
Alfred’s Plaza Hills Flip
- Purchase Price: $190,000
- Loan Amount: $133,000 (70% LTV)
- Interest Rate: 12% for 12 months
- Origination Fee: 2 points
- Sale Price: $285,000
- Gross Profit: $73,720 (before rehab costs)
Alfred used our fix and flip loan to acquire and renovate a dated condo in Plaza Hills. With a quick turnaround and strong comps, he exited in under 12 months with a healthy profit.
Sylvia’s Barclay Downs Rehab
- Purchase Price: $200,000
- Loan Terms: 70% LTV, 11% interest, 2 points
- Sale Price: $240,000
- Gross Profit: $21,800
Sylvia targeted a mid-century home in Barclay Downs, modernized the interior, and sold within 9 months. Our fast funding helped her beat competing offers and secure the deal.
Marcus’s Commercial Bridge Success
Marcus acquired a mixed-use property in Uptown Charlotte with 80% occupancy. Our commercial bridge loan gave him the capital to purchase it without using the income to qualify. Within 18 months, he refinanced into permanent financing.
Refinance with Credit in the 500s: Jamal’s Story
Jamal owned a single-family rental in East Charlotte with no mortgage and a credit score of 512. We approved him for a 50% LTV asset-based refinance, giving him $125,000 in cash to fund two new flips. No tax returns, no W-2s—just equity and a solid exit strategy.
Local Testimonials
“HardMoneyMan.com helped me close on a duplex in NoDa in just 8 days. Their team knew the Charlotte market and made the process seamless.” — Tasha R., Charlotte Investor
“I’ve used other lenders before, but Ken’s team actually understands what investors need. They funded my rehab in Barclay Downs without the usual red tape.” — Luis M., Fix & Flip Specialist
“Even with my credit in the low 500s, I got approved for a refinance. That cash helped me scale faster than I thought possible.” — Jamal B., Rental Portfolio Owner
Charlotte Fix & Flip Loan Snapshot
| Metric | Value |
| Avg. Loan Amount | $281,875 |
| Median Interest Rate | 12% |
| Typical Loan Term | 12 months |
| Avg. Origination Fee | 2 points |
Need Help Navigating Charlotte’s Real Estate Lending Landscape?
- “Want to see how our Charlotte lending process stacks up? Visit our Hard Money Lenders Charlotte page for market insights and investor tips.”
- “Got questions about rates, rehab draws, or eligibility? Our North Carolina Fix & Flip FAQ guide breaks it all down.”
How to Apply for a Charlotte Fix & Flip Loan
- Submit your deal – Use our online form or call us directly
- Get pre-approved – Same-day decisions in most cases
- Close fast – Typically within 7–10 business days
- Fund your rehab – Draws available as work progresses
- Sell or refinance – Exit strategy built into every deal
Why Investors Choose HardMoneyMan.com
- 25+ years of lending experience
- Deep understanding of Charlotte’s submarkets
- Transparent terms and fast closings
- Real people, real results
Ready to Fund Your Next Charlotte Deal?
Call us at (866) 461-2695 or apply online to get started. Whether you’re flipping your first home or scaling a portfolio, we’re here to help you move fast and fund smart.